Credit Card Portfolio Start- Up Consulting
|
|
- Benedict Foster
- 8 years ago
- Views:
Transcription
1 Credit Card Portfolio Start- Up Consulting
2 Knowledge and Power where it counts: OnPoint and Allegacy benefit from Advisors Plus. Overview Advisors Plus has the experience and resources to help credit unions evaluate their credit card portfolios at any stage in the lifecycle. Our Credit Card is designed to help institutions create a product suite that is compelling, competitive and profitable. The consulting team, with over 100 years of collective experience, will provide invaluable guidance and expertise while avoiding the common mistakes that occur when taking an uncharted path. As a result of teaming with Advisors Plus, your credit products will be positioned to attract key market segments with a competitive, yet profitable pricing strategy and targeted marketing campaigns. The Process and Approach This comprehensive review is performed onsite, usually over a two- day period with follow- up telephone support as needed. The sessions offer recommendations on products, pricing, risk, rewards, marketing and profitability. Our process, consisting of evaluation and analysis of all aspects of the credit card portfolio, delivers five core components: A five- year financial projection A review of key credit card background information Competitive product survey Review of product suite design, pricing and risk tiers Strategic Product Control File evaluation
3 In addition, our subject matter experts provide invaluable guidance including: Five- year volume and cash flow targets Review of competitive landscape Product set design including rewards programs Recommended credit score tiers for risk- based decisions Pricing APRs, fee triggers, promotions/incentives, bonus points Strategic approach to marketing Implication of previous marketing and sales agreements Awareness of CARD Act regulations and implications OnPoint Launches a Credit Card Program OnPoint is the largest credit union in Oregon, serving almost 240,000 members. Through its 79- year history, OnPoint has built a significant branch network. OnPoint had never offered a credit card product to its members before, but it felt there was pent- up demand and offering a credit card became part of OnPoint s strategic growth initiative. In March 2008, Advisors Plus helped OnPoint launch its credit card program. OnPoint offered an all- platinum product line which included a low- rate card, a Rewards card and a business card. Under the direction of Michele DeBuhr, Vice President of Organization Effectiveness, OnPoint recently added a platinum cash rebate card. In February 2011, Advisors Plus completed a P&L Review to assist OnPoint in evaluating its progress and tracking to the portfolio s pro forma. The P&L provided information on the following key areas: 1. Original financial pro forma for the program 2. How the Portfolio was performing using a P&L approach 3. The risk profile of the portfolio based on vintage analysis 4. Overall observations and opportunities highlighted by the analysis 5. Results and recommendations for improvements The results were very impressive. OnPoint exceeded the five- year projection for Gross Active Accounts and for outstanding balances after just 28 months. Since starting its program in September 2008, OnPoint has grown the number of total accounts from zero to 44,102 by the end of Gross active accounts had grown to 29,618 by the end of 2011 and outstanding balances grew from zero to $76,440,919 during the same period. With the rapid growth of accounts and balances, the financial performance of the portfolio was also very strong and exceeded projections.
4 Allegacy Reenters the Credit Card Business Allegacy Federal Credit Union had sold its portfolio in 2007, and when it decided to reenter the credit card business it reached out to Advisors Plus for help setting an overall direction and goals. As a first step, Advisors Plus helped Allegacy prepare a pro forma to set targets around number of accounts and average transfer balances. Those targets were then assigned to the 17 branches to distribute ownership of the results. Advisors Plus also designed and conducted a direct mail campaign to Allegacy s membership including employees of 550 companies within the U.S. The card program launched on March 1, 2012 and has realized a 3% response rate, far exceeding the goal of 1%. According to Melissa Lyons, EFT Operations manager for Allegacy, The Advisors Plus team was very helpful and always available. Since we had been out of the business for many years it was important for us to work with experts who knew industry standards and benchmarks. The results have far exceeded our expectations. About Advisors Plus Credit Card Advisors Plus Credit Card provides a comprehensive review of the considerations and decisions that need to be made when starting up a new credit card portfolio. The Start- Up Consulting is a two day on- site meeting with the credit union. Day 1 is devoted to a discussion of and guidance on the business implications of all key product decisions. Day 2 is a technical specifications discovery meeting. The consultants, in conjunction with the implementation team, lead the discussion and provide guidance on the business implications of system processing decisions. Credit Card is designed to provide a credit union s management team with an in- depth evaluation of the business implications surrounding the product set and pricing structure of the new portfolio, including reasonable expectations regarding performance. Areas evaluated and discussed include budget requirements, financial management, external factors, underwriting approaches, risk management philosophy, product design, pricing structure and marketing initiatives.
5 About Advisors Plus Advisors Plus was established in 2005 to provide consulting and marketing services to credit unions. Our range of services covers the key areas of strategy, credit cards, debit and checking, marketing, contact center, operations, and branch sales. The experienced consultants at Advisors Plus work with the organization s staff through the entire process from project analysis to implementation and management. Our goal is to ensure that each financial institution achieves sustainable business growth, exceptional member experiences and operational efficiencies. As of December 31, 2011, Advisors Plus has superior NPS Scores of: 74 Credit; 81 Debit and Checking; 91 Contact Center. For more information, please visit AdvisorsPlus.com Advisors Plus. All rights reserved.
Marketing Services. Credit Card Consulting
Marketing Services Credit Card Consulting AmeriCU Credit Union Executes Targeted Marketing Using In- Depth Analysis Overview Client Profile AmeriCU Credit Union was first chartered in 1951, as the Griffiss
More informationMarketing Services. Custom New Account Acquisition Campaign
Marketing Services Custom New Account Acquisition Campaign DCCU Adds Average of 300 New Cards/Month with Help of Advisors Plus Overview Client Profile Waynesboro DuPont Employees Credit Union opened in
More informationMarketing Consulting and Campaign Management
Marketing Consulting and Campaign Management AmeriCU Credit Union Executes Targeted Marketing Using In-Depth Analysis Overview Client Profile AmeriCU Credit Union was first chartered in 1951, beginning
More informationEditorial Perspective: The Highly Empowered Portfolio Manager
by Stephen M. Thompson This article first appeared as an online Community blog post at CU Insight.com on December 27, 2013 and is reprinted in its entirety here. An empowered portfolio manager sets the
More informationConsulting Services. Debit and Checking Consulting
Consulting Services Debit and Checking Consulting Baxter Credit Union Reaches for Higher Performance Overview Client Profile Based in Vernon Hills, IL, Baxter Credit Union (BCU) is one of the largest credit
More informationMarketing Services. Checking Account Acquisition Campaign
Advisors Plus Checking Acquisition Campaign Sends Pen Air s Membership and Account Growth Soaring Overview Client Profile Pen Air Federal Credit Union was chartered in 1936 to serve military and civil
More informationMichigan Marketing Awards 2009/2010 Community Alliance Credit Union
Michigan Marketing Awards 2009/2010 Credit Union Title of Entry Double Points for the Necessities of Life. Overview In May 2008, we launched a de novo, all-platinum credit card program with Scorecard Rewards.
More informationTurning Data into Action: How Credit Card Programs Can Benefit from the World of Big Data
Turning Data into Action: How Credit Card Programs Can Benefit from the World of Big Data A Capital Services White Paper by Dr. Alfred Furth Introduction Scientists tell us that enough sunlight falls on
More informationYour Bank + Elan Financial Services =
Your Bank + Elan Financial Services = Credit Card Issuing Alliance Leveraging the power of your brand. Strengthening your suite of credit card products. Partnership for your success. Collaborative Partnership
More informationProgram Overview. Preferred Premier Platinum
Program Overview Picatinny Relationship Rewards is everything you would expect from a financial rewards program and more. The program is designed to reward members for achieving their goals through a full
More informationConsulting Services. Contact Center Consulting
Consulting Services Contact Center Consulting Ramping Up Citadel s Contact Center to Meet Member Demand Overview Client Profile Citadel Federal Credit Union has served its members in the broader Philadelphia
More informationGreat Rates & CASH Back As much as $300! Did you know Peach State Federal Credit Union offers:
Great Rates & CASH Back As much as $300! Cruise on into Peach State Federal Credit Union and refinance your vehicle loan that s financed with another lender. With rates as low as 1.9% APR*, we ll match
More informationCREDIT CARD SOLUTIONS
CREDIT CARD SOLUTIONS Our Approach Is Based On Building Long-Term Relationships At Elan, we work towards building strong, lasting partnerships based on transparency and trust. These tenets help ensure
More information50% DEBIT AND THE RETAIL BANKING. Shifting Sands in the Debit Landscape. U.S. Insights. U.S. Customer Delivery
DEBIT AND THE RETAIL BANKING RELATIONSHIP gain front-andcenter status U.S. Customer Delivery BY MICHAEL SOUZA AND TEIK TUNG Shifting Sands in the Debit Landscape The debit marketplace has undergone more
More informationIn order to qualify for each new level, you will need to meet a few basic requirements.
You can reach up to six levels of achievement with Richway International. Levels: Independent Partner Gold Executive Emerald Executive Diamond Executive Royal Family You can easily choose which level to
More informationBecoming. A Family Member
Becoming A Family Member Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering schools in Jackson and Ingham counties? Are you involved with any
More informationGeorge Savvides Managing Director
George Savvides Managing Director Macquarie Australia Conference, 8 May 2015 IMPORTANT NOTICE The information contained in this presentation is for information purposes only. The information contained
More informationVisa Credit Card Agreement
Visa Credit Card Agreement 1. INTRODUCTION. This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards
More informationAmaZing Cash FAQs. About the Program
AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. It is
More informationInquiry into matters relating to Credit Card interest rates
Committee Secretary 15 August 2015 Senate Standing Committees on Economics PO Box 6100 Parliament House Canberra ACT 2600 Inquiry into matters relating to Credit Card interest rates The Westpac Group thanks
More informationPayment Service Provider Category Please indicate under which category of Payment Service Provider your organisation is authorised / regulated:
Business Plan As part of the review process for an application for membership of Visa Europe, Visa Europe carries out a risk review of the applicant. Part of the risk review involves reviewing the organisation
More informationCLOUD PARTNERS VS. TRADITIONAL PARTNERS HOW TO ENABLE AND MOTIVATE HYBRID PARTNERS KEY TAKEAWAYS AGENDA
Building a Go-to-Market Strategy to Enable Both Your Cloud and Traditional Partners William Gilsing, VP Channel Strategy Dale Taormino, VP Client Services CLOUD PARTNERS VS. TRADITIONAL PARTNERS HOW TO
More informationPlatinum Visa Cash Rebate Credit Card Agreement
Platinum Visa Cash Rebate Credit Card Agreement 1. INTRODUCTION. This Agreement covers your OnPoint Platinum Cash Rebate Credit Card account, issued by OnPoint Community Credit Union ( OnPoint ). In this
More informationMembership 54% 18% 28% Bank Captive Independent & Mult Line
Membership Bank Captive Independent & Mult Line 54% 18% 28% Business Fixed Investment & Equipment Financing Volume ($ Billions) New Business by Equipment Type Source: 2012 SEFA $14.0 $12.0 $10.0 $8.0 $6.0
More informationCase Study. SNW Asset Management. info@os33.com (866) 796-0310. www.os33.com
info@os33.com (866) 796-0310 www.os33.com Case Study Highlights Country: United States Industry: More Info: http://www.snwam.com Business Situation: Move a spin-off company to a new IT infrastructure in
More informationThe TrakQuip solution by Corporate Services Decreased Frustrations & Increased Productivity for Bay-Tech Equipment Rentals, Inc.
The TrakQuip solution by Corporate Services Decreased Frustrations & Increased Productivity for Bay-Tech Equipment Rentals, Inc. Bay-Tech Equipment Rentals, Inc. and Bay-Tech Industries, Inc. are full
More information1. Responsibility: 2. Lost Card Notification: 3. Liability for Unauthorized Use: 4a. Credit Line:
In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement. Card means the VISA Credit Card and any duplicates and renewals we issue. Everyone
More informationNot Your Billing System
Zuora: Build Your Business, Not Your Billing System A Neovise Vendor Perspective Report Introduction The primary objective for any business organization is to deliver value to its customers at a profit.
More informationFederally Insured by NCUA
2014 ANNUAL REPORT Federally Insured by NCUA Table of Contents Board of Directors... 2 Minutes of the 61st Annual Meeting... 3 Chairman s Report... 4 Chief Executive Officer s Report... 5 Treasurer s Report...
More informationUnderstanding Credit Card Profitability
Understanding Credit Card Profitability Outstanding professional experience in the area of banking and payment systems The European Commission TABLE OF CONTENTS ACKNOWLEDGEMENTS 1 About the author: David
More informationContents. Introduction. Definitions. Partner Program Structure. Silver Partner. Gold Partner. Platinum Partner. Deal Registration.
Program Guide Contents Introduction 3 Definitions 4 Partner Program Structure 5 Silver Partner Gold Partner Platinum Partner Deal Registration 9 Channel Marketing 10 Specialty Licenses 11 Other Considerations
More informationVirtual Payments, Real Benefits. Underwritten by
Virtual Payments, Real Benefits Underwritten by Vishal Patel, Research Director Ardent Partners September, 2013 REPORT SPONSORSHIP 1 The views and opinions in this report represent those of Ardent Partners
More informationVisa Balance Transfer Campaign and Extension
Visa Balance Transfer Campaign and Extension Promotional Period October 29, 2013 to January 31, 2014 Overview MECU is committed to enhancing the financial well being of its members. Knowing that many consumers
More informationWe are Globalscape - Leader in Secure Information Exchange James L. Bindseil, President & CEO
We are Globalscape - Leader in Secure Information Exchange James L. Bindseil, President & CEO May 14, 2015 2015 GlobalSCAPE, Inc Annual Shareholders Meeting 2015 Globalscape Safe Harbor Statement This
More information5 Reasons Your Current Credit Card Processor Is More Expensive Than You Thought!
5 Reasons Your Current Credit Card Processor Is More Expensive Than You Thought! It felt like you got a great deal on your credit card processing when you signed up, but suddenly you noticed your rates
More information$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER?
SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since 1953. We are a non-profit, financial institution that is cooperatively
More informationAccounting Norms and Principles January 7, 2003
1 Accounting Norms and Principles January 7, 2003 The purpose of an accounting system is to provide credit union management with complete and accurate financial information that can be used to operate
More informationCMA Affinity Program Offers
CMA Affinity Program Offers Union Bank is proud to partner with the California Medical Association to serve the unique financial needs of your practice, your staff, and yourself. We approach our customer
More informationExceptional Customer Experience AND Credit Risk Management: How to Achieve Both
Exceptional Customer Experience AND Credit Risk Management: How to Achieve Both Lynn Brunner Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions,
More informationwith CO-OP Total Revelation.
CO-OP Total Revelation Understand and influence debit behavior with CO-OP Total Revelation. Improve the profitability of your debit and ATM portfolios by uncovering hidden opportunities right in your own
More informationknowledge management enabling winning offerings
Business scenario knowledge management enabling winning offerings In today s rapidly changing and dynamic IT landscape, the IT industry is constantly faced with the challenge of keeping up with the pace
More informationPlatinum and Platinum Rewards Visa EMV Credit Cards Frequently Asked Questions (FAQ s)
Platinum and Platinum Rewards Visa EMV Credit Cards Frequently Asked Questions (FAQ s) What is EMV? EMV stands for Europay, MasterCard and Visa. EMV or chip cards have been in use in Europe for over 20
More informationDiscover Financial Services. Discover Overview. December 2006
Discover Overview December 2006 Legal Notice The information herein contains forward-looking statements, including without limitation statements about the expected effects, timing and completion of the
More informationOPERATIONALIZING THE CUSTOMER EXPERIENCE. Jim White Vice President Customer Experience Symphony Post-Acute Network
OPERATIONALIZING THE CUSTOMER EXPERIENCE Jim White Vice President Customer Experience Symphony Post-Acute Network AGENDA A Bit of Fun Situational Analysis Key Elements Needed for Success Know Your Environment
More informationMacquarie WA Forum Conference. 15 October 2015
Macquarie WA Forum Conference 15 October 2015 Important notice and disclaimer The information contained in this presentation is for information purposes only and does not constitute an offer to issue,
More informationDrive Profitable Growth from Business Cards
An EMI Industry Intelligence Report Taking Early Advantage of the Business Turnaround to Drive Profitable Growth from Business Cards By: Campbell Edlund and Mark Ronan The recent financial crisis devastated
More informationDEBT MANAGEMENT POLICY
DEBT MANAGEMENT POLICY This policy sets forth the principles that will govern the use of debt to finance University capital projects and assigns responsibilities for the management of University debt.
More informationPLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT
AUG2014 PLATINUM VISA, VISA GOLD REWARDS, SCHOOL REWARDS VISA AND/OR SECURED PLATINUM VISA AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT Purchase Annual Percentage Rate (APR) Balance Transfer
More informationSANDY ROGERS Expert Consultant Practice Leader Thought Leader Speaker
SANDY ROGERS Expert Consultant Practice Leader Thought Leader Speaker Drive faster growth through a customer-centric culture. Dominate Your Competition by Making Every Store a Top Performer Change Frontline
More informationMawer Canadian Bond Fund. Interim Management Report of Fund Performance
Interim Management Report of Fund Performance For the Period Ended June 30, 2015 This interim management report of fund performance contains financial highlights but does not contain either interim or
More informationCREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT
CREDIT CARD DISCLOSURE STATEMENT AND AGREEMENT FOR APGFCU CREDIT AND SHARE SECURED CREDIT In this Agreement the words you and your mean each and all of those who apply for the card or who sign this Agreement.
More informationA CREDIT CARD PROGRAM CAN BE A CREDIT UNION S HIGHEST-EARNING ASSET
CSCU s payments solutions are tailored to what matters serving your members. A CREDIT CARD PROGRAM CAN BE A CREDIT UNION S HIGHEST-EARNING ASSET A Research Brief by: A Credit Card Program Can Be a Credit
More informationCompensation: How RIA firms are attracting and retaining top-tier talent
Compensation: How RIA firms are attracting and retaining top-tier talent Results from the 2014 RIA Benchmarking Study from Charles Schwab As the RIA industry has grown and matured, individual advisory
More information5 Things To Know Before Signing Your Next Equipment Lease
5 Things To Know Before Signing Your Next Equipment Lease Helpful Information To Prepare You For The Equipment Leasing Process Whitepaper Brought to You By Balboa Capital Whether you are a newly launched
More information$uccessful Start and the Office of Student Services Present: EVALUATING CREDIT CARD OFFERS
$uccessful Start and the Office of Student Services Present: EVALUATING CREDIT CARD OFFERS SESSION OBJECTIVES Discuss the importance of credit and credit management Identify how to establish new credit
More informationPOLICY 5.1 LOANS, LOAN BONUSES, FINDER S FEES AND COMMISSIONS
Scope of Policy POLICY 5.1 LOANS, LOAN BONUSES, FINDER S FEES AND COMMISSIONS This Policy outlines the Exchange s policies on: loans to an Issuer; bonuses paid by an Issuer in respect of loans to an Issuer;
More informationTMX TRADING SIMULATOR QUICK GUIDE. Reshaping Canada s Equities Trading Landscape
TMX TRADING SIMULATOR QUICK GUIDE Reshaping Canada s Equities Trading Landscape OCTOBER 2014 Markets Hours All market data in the simulator is delayed by 15 minutes (except in special situations as the
More informationFinancial Management
I. Banking landscape today In the past year alone, banks have taken many actions to make up for lost profits, including eliminating free checking, raising fees, and pushing customers to buy more financial
More informationLeveraging CRM spend in retail banking
Leveraging CRM spend in retail banking Insight Newsletter No 2: 2007 Getting What You Paid For: Cost Allocation of a Relationship Loyalty Program By: Gail L. Sneed, Director of Professional Services, Maritz
More informationWebsite Security Solutions Path to Specialization Experienced. Proven. Trusted.
Website Security Partner Program Website Security Specialist Partner Website Security Solutions Path to Specialization Experienced. Proven. Trusted. Welcome to Symantec Website Security Partner program
More informationOpen a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! *
Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * The more you transfer, the bigger the awards. earn up to 30,000 points per month minimum transfer of only $100 Apply Now!
More informationVisa Business Issuer Platform Overview. Help business customers on their journey to success
Visa Business Issuer Platform Overview Help business customers on their journey to success 1 Get big ideas for your small business portfolio. Now is the time to make your Visa Business portfolio work harder
More informationWhat is the Career + Compensation Program?
The Career and Compensation Program (CCP) is a new pay and career framework designed to enhance the University's Canes What is the Career + Compensation Program? Total Rewards package by providing the
More informationUNDERSERVED. Empowering the. 2014 Credit Union National Association Inc. Reprinted with permission. Dianne Molvig
Empowering the UNDERSERVED Dianne Molvig 28 CREDIT UNION MAGAZINE u DECEMBER 2014 u creditunionmagazine.com 2014 Credit Union National Association Inc. Reprinted with permission. More CUs are seeking CDFI
More informationHow Does Survivorship GIUL Work?
A Protection Plan for Future Generations Information on North American Company s Survivorship GIUL Indexed Universal Life Insurance Product Consumer Brochure NAM-1436 11/12 Table of Contents Overview [
More information10.24% to 18.0% 11.24% to 18.0%
Credit Tier 3 Credit Tier 2 Credit Tier 1 Interest Rates and Interest Charges Annual Percentage Rate (APR) for purchases and balance transfers 11.24% to 18.0% 12.24% to 18.0% 10.24% to 18.0% 11.24% to
More informationNew Developments in Overseas Insurance Business ~ Agreement to Acquire 100% Ownership of a Listed
New Developments in Overseas Insurance Business ~ Agreement to Acquire 100% Ownership of a Listed U.S. Life Insurance Group, StanCorp Financial Group, Inc. ~ July 24, 2015 Meiji Yasuda Life Insurance Company
More informationFOCUS PROASSURANCE 2005 ANNUAL REPORT
FOCUS PROASSURANCE 2005 ANNUAL REPORT THE FOCUS OF PROASSURANCE CORPORATION We are a specialty insurer focused on writing medical professional liability insurance and developing insurance solutions which
More informationJeanne D Arc CREDIT UNION
Credit Cards PLATINUM VISA CREDIT CARDS Jeanne D Arc CREDIT UNION PUT SOME CREDIT BUILDING POWER IN YOUR POCKET WITH A JEANNE D ARC VISA. It s the best of both worlds. You get a credit card that s accepted
More informationDELAWARE S ONE STOP BUSINESS REGISTRATION AND LICENSING EXECUTIVE SUMMARY
DELAWARE S ONE STOP BUSINESS REGISTRATION AND LICENSING EXECUTIVE SUMMARY In February 20, Delaware Governor Ruth Ann Minner announced the One-Stop business licensing initiative. One Stop allows new businesses
More informationA Strategic Approach to Residential Mortgage Lending
A Strategic Approach to Residential Mortgage Lending Presented by Tracy Jean Ashfield Strategic Mortgage Solutions The Consulting and Training Division of Prime Alliance Solutions, Inc. October 19, 2009
More informationHow to Write a Business Plan
How to Write a Business Plan Small Business Development Center (SBDC) A well-written comprehensive business plan forms the basis for the success of any business venture. The business plan is a written
More informationLands End implements customer-centric strategies
Lands End implements customer-centric strategies leader empowers marketing staff and develops more targeted campaigns with Unica Campaign Overview Business challenges Decouple interdependence of technical
More informationCredit Card Market Study Interim Report: Annex 5 Firm business model analysis
MS14/6.2: Annex 5 Market Study business model analysis November 2015 Introduction 1. This annex summarises issuers approach to evaluating profitability, as well as a summary of the role of affinity and
More informationASSET MANAGEMENT. a best practices checklist WHAT IS ASSET MANAGEMENT? HERE IS WHAT YOU WILL LEARN:
ASSET MANAGEMENT a best practices checklist WHAT IS ASSET MANAGEMENT? The Institute of Asset Management defines asset management as the coordinated activity of an organization to realize value from assets.
More informationATB Financial 2012 16 Business Plan. Brilliant and simple. Grounded and innovative Expert and caring. Uniquely Albertan
ATB Financial 2012 16 Business Plan Brilliant and simple Grounded and innovative Expert and caring Uniquely Albertan ATB 2.0 The Next Step Contents Message from the President & CEO 5 Guided by ATB 2.0
More informationHOW ISSUERS CAN GET, KEEP, AND GROW THE OMNICHANNEL CUSTOMER
HOW ISSUERS CAN GET, KEEP, AND GROW THE OMNICHANNEL CUSTOMER New approaches to direct marketing techniques have become a key component of the acquisition and retention mix BY MARGOT VAUGHAN When it comes
More informationRaising the Bar of Customer Loyalty Programs
Raising the Bar of Customer Loyalty Programs Identifying Your Best Customers and Driving Their Most Profitable Behavior by Carlos Dunlap, Vice President, Strategic Services, Maritz Loyalty Marketing A
More informationTechnology. A Technology & Operations Supplement to 1Q10 Credit Union Strategy & Performance
Technology A Technology & Operations Supplement to 1Q10 Credit Union Strategy & Performance CU Credit Cards 7 Debit Cards 17 Online & Mobile Payments 31 Published By Sponsored By Editor s Note 5 CREDIT
More informationABOUT LPL FINANCIAL. The strength of partnership
ABOUT LPL FINANCIAL The strength of partnership supporting financial advisors who serve you the need for objective advice has never been greater Amid an ever-changing investment landscape, investors need
More informationAmaZing Cash FAQs. About the Program
AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn
More informationSecure Your Success. Intel Security Partner Program
Secure Your Success Intel Security Partner Program Today s digital security threats are more sophisticated and complex than ever. At the same time, computing advancements are opening up new possibilities
More informationHow To Pay Onpoint With A Credit Card
Business Visa Credit Card Agreement ONPOINT COMMUNITY CREDIT UNION BUSINESS VISA CREDIT CARD AGREEMENT 1. INTRODUCTION. This Agreement covers your Business Platinum VISA Rewards Credit Card account, issued
More informationSince 2013, our goal has been to renew our focus on better serving the members lending needs and to continuously review all areas for efficiency.
2014 Excellence in Operations, Sales & Service Application Miscellaneous Category Introduction is a financially sound and member focused financial institution. Net worth, loan loss ratios, and deposit
More informationGlencoe/McGraw-Hill. Entrepreneurship and Small Business Management 2000 ISBN# 0-02-644068-7. correlated to
Glencoe/McGraw-Hill Entrepreneurship and Small Business Management 2000 ISBN# 0-02-644068-7 correlated to South Carolina Entrepreneurship Competencies A. SAFETY 1. Identify methods to reduce on-site accidents.
More informationVisa Credit Card Agreement
Visa Credit Card Agreement 1. INTRODUCTION. This VISA Credit Card Agreement (Agreement) and the Account Disclosures accompanying this Agreement will govern your Platinum VISA or Platinum VISA with Rewards
More informationB2B Payments New World
The Essentials of Procure-to-Pay Pay Patrick S. Lyons Vice President, Spend & Payment Solutions BMO Financial Group B2B Payments New World Trend: Payment Strategies now include all three Payments (ACH,
More informationHome Equity Retention Strategies
Home Equity Retention Strategies Brian King BenchMark Consulting International In today s highly competitive Home Equity Lending environment the ability to both attract and retain customers is critical.
More informationRamón Tellaeche Santander Cards
Ramón Tellaeche Santander Cards Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various
More informationSolution Overview Channel Management in Utilities
Utilities Sector Solution Overview Channel Management in Utilities Better Results Market Influences and Challenges The utilties industry has faced dramatic change and numerous challenges in recent years
More informationCreating the Strategy that Drives Your CRM Initiative. Debbie Schmidt FIS Consulting Services
Debbie Schmidt FIS Consulting Services 1 800 822 6758 Table of Contents More Than an IT Project...2 One Size Does Not Fit All...2 Moving Toward an Effective CRM Strategy...3 The Process...4 The Technology...4
More informationConsumer Loan & VISA Rates October 1, 2015 (rates are subject to change)
Consumer Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 New and Used Auto Finance up to 120% of purchase price on new autos (not including tax, title, licensing and cancelable
More informationSavings @ Work. APG Federal Credit Union : Benefiting Your Employees. Federally insured by NCUA
APG Federal Credit Union : 1 Your Bottom Line Here at APG Federal Credit Union, we believe that people lead happier lives when they are financially healthy. That s why we developed, a program designed
More informationTCU VISA Platinum Rewards Credit Card Account Agreement
TCU VISA Platinum Rewards Credit Card Account Agreement This TCU VISA Platinum Rewards Credit Card Account Agreement and Disclosure Statement ("Agreement"), sets forth your rights and obligations and ours
More informationAssurant Reports 2004 Net Income of $350.6 Million ($2.48 per Pro Forma Share), Net Operating Income of $345.0 Million ($2.44 per Pro Forma Share)
Press Contact: Investor Relations: Drew Guthrie Melissa Kivett Larry Cains Manager, Communications Vice President Senior Vice President and Media Relations Investor Relations Investor Relations Phone:
More informationContributions. Things you should know about making contributions to your SMSF BROUGHT TO YOU BY
Contributions Things you should know about making contributions to your SMSF BROUGHT TO YOU BY CONTENTS Non Concessional Contributions: Aged Under 65... 2 Non Concessional Contributions: Aged 65 to 74...
More informationSmarter Construction Payment and Expense Processing with ecms Connect for Comdata Solutions
Smarter Construction Payment and Expense Processing with ecms Connect for Comdata Solutions Parsons Electric, J.F. Brennan Company, Comdata and Computer Guidance Put Your Money To Work Today! It is important
More informationFacebook.com/lapfcu Twitter.com/lapfcu
Free Box of basic Image Checks On an annual basis, if You qualify for Member Benefits, You are eligible to receive one free box of basic image checks every 12 months for each checking account under the
More informationYour guide to everyday banking.
Your guide to everyday banking. Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our
More informationBEST PRACTICES FOR CREDIT AND DEBIT CARD REWARDS PROGRAMS
BEST PRACTICES FOR CREDIT AND DEBIT CARD REWARDS PROGRAMS May 2015 CONTENTS Introduction... 2 The Competitive Necessity of Rewards... 2 Trends in Rewards Program Offerings... 4 Credit Cards... 4 Debit
More information